Utilizing unique messaging accounts to extract transaction data for card-based transactions

Abstract

This disclosure describes methods, non-transitory computer readable storage media, and systems that securely retrieve and extract data for card-based transactions from various sources via a multi-branch processing pipeline. Specifically, in some embodiments, the disclosed systems assign a unique messaging account to a payment card of a payment account for retrieval of digital messages corresponding to transactions initiated by the payment card. In one or more embodiments, the disclosed systems determine a first subset of data for a card-based transaction processed through a payment network. The disclosed systems also determine a second subset of transaction data in response to receiving a digital message at the unique messaging account assigned to the payment card in response to the card-based transaction. In some embodiments, the disclosed systems generate a mapping between the first and second subsets of transaction data within a transaction database for performing downstream operations.

1 . A computer-implemented method comprising:
 generating, by at least one processor of a card processing system in response to receiving permission to obtain invoice data for future transactions initiated using a particular payment card associated with a payment account, a unique messaging account exclusively dedicated to the particular payment card, the card processing system having direct access to the unique messaging account generated for the particular payment card;   determining, by the at least one processor of the card processing system in response to a card-based transaction initiated via a payment network using the particular payment card, a first subset of transaction data comprising transaction-specific data for the card-based transaction transmitted by the payment network;   providing, by the at least one processor of the card processing system, an address of the unique messaging account generated for the particular payment card to a payment recipient system or a third-party system associated with the payment recipient system;   receiving, at the unique messaging account generated for the particular payment card, a digital message from the payment recipient system or the third-party system associated with the payment recipient system via an electronic messaging system in response to the card-based transaction;   determining, by the at least one processor of the card processing system and from the digital message, a second subset of transaction data comprising invoice data for the card-based transaction; and   generating, by the at least one processor of the card processing system, a mapping between the second subset of transaction data of the digital message and the first subset of transaction data within a transaction database.   
     
     
         2 . The computer-implemented method of  claim 1 , wherein determining the first subset of transaction data corresponding to the card-based transaction comprises generating a transaction log for the card-based transaction based on a transaction message received from the payment network utilized to process the card-based transaction. 
     
     
         3 . The computer-implemented method of  claim 1 , wherein receiving the digital message via the electronic messaging system comprises receiving a message from the third-party system associated with the payment recipient system to the unique messaging account exclusively dedicated to the particular payment card and extracting the digital message from the message. 
     
     
         4 . The computer-implemented method of  claim 3 , wherein receiving the message from the third-party system comprises receiving the message from a recipient computing system or an additional computing system in communication with the recipient computing system. 
     
     
         5 . The computer-implemented method of  claim 1 , further comprising determining, from the digital message, additional data not included in the first subset of transaction data transmitted by the payment network. 
     
     
         6 . The computer-implemented method of  claim 5 , wherein the additional data comprises one or more of a product classification, a recipient type, or an itemized list of purchased products. 
     
     
         7 . The computer-implemented method of  claim 6 , further comprising generating, based on the additional data, a modification to a category-restricted sub-account of the payment account. 
     
     
         8 . The computer-implemented method of  claim 1 , wherein generating the mapping comprises generating, within the transaction database, a database entry comprising the first subset of transaction data, the second subset of transaction data, and a transaction identification number corresponding to the card-based transaction. 
     
     
         9 . The computer-implemented method of  claim 1 , further comprising:
 receiving, from an account management system, a request for the first subset of transaction data; and   providing, utilizing the mapping between the second subset of transaction data and the first subset of transaction data, the second subset of transaction data with the first subset of transaction data to the account management system.   
     
     
         10 . A system comprising:
 one or more non-transitory computer readable media; and   at least one processor configured to cause the system to:
 generate, via a card processing system in response to receiving permission to obtain invoice data for future transactions initiated using a particular payment card associated with a payment account, a unique messaging account exclusively dedicated to the particular payment card, the card processing system having direct access to the unique messaging account generated for the particular payment card; 
 determine, in response to a card-based transaction initiated via a payment network using the particular payment card, a first subset of transaction data comprising transaction-specific data for the card-based transaction transmitted by the payment network; 
 provide an address of the unique messaging account generated for the particular payment card to a payment recipient system or a third-party system associated with the payment recipient system; 
 receive, at the unique messaging account generated for the particular payment card, a digital message from the payment recipient system or the third-party system associated with the payment recipient system via an electronic messaging system in response to the card-based transaction; 
 determine, from the digital message, a second subset of transaction data comprising invoice data for the card-based transaction; and 
 generate a mapping between the second subset of transaction data of the digital message and the first subset of transaction data within a transaction database. 
   
     
     
         11 . The system of  claim 10 , wherein generating the unique messaging account for the particular payment card comprises generating, by the at least one processor, a dedicated email address, a dedicated text messaging number, or a dedicated instant messaging account for the particular payment card. 
     
     
         12 . The system of  claim 10 , wherein the at least one processor is further configured to cause the system to determine, in response to receiving the digital message at the unique messaging account, the particular payment card based on information extracted from an identifier of the unique messaging account generated for the particular payment card. 
     
     
         13 . The system of  claim 12 , wherein generating the mapping between the second subset of transaction data of the digital message and the first subset of transaction data comprises associating the digital message with the card-based transaction by matching one or more of a merchant identifier, a time of transaction, or a payment amount within the first subset of transaction data and the second subset of transaction data. 
     
     
         14 . The system of  claim 13 , wherein generating the mapping comprises associating the first subset of transaction data and the second subset of transaction data with a transaction identification number within the transaction database. 
     
     
         15 . The system of  claim 14 , wherein the at least one processor is further configured to cause the system to transmit, in response to generating the mapping, at least a portion of the second subset of transaction data to an account management system. 
     
     
         16 . A non-transitory computer readable medium comprising instructions that, when executed by at least one processor, cause the at least one processor to:
 generate, via a card processing system in response to receiving permission to obtain invoice data for future transactions initiated using a particular payment card associated with a payment account, a unique messaging account exclusively dedicated to the particular payment card, the card processing system having direct access to the unique messaging account generated for the particular payment card;   determine, in response to a card-based transaction initiated via a payment network using the particular payment card, a first subset of transaction data comprising transaction-specific data for the card-based transaction transmitted by the payment network;   provide an address of the unique messaging account generated for the particular payment card to a payment recipient system or a third-party system associated with the payment recipient system;   receive, at the unique messaging account generated for the particular payment card, a digital message from the payment recipient system or the third-party system associated with the payment recipient system via an electronic messaging system in response to the card-based transaction;   determine, from the digital message, a second subset of transaction data comprising invoice data for the card-based transaction; and   generate a mapping between the second subset of transaction data of the digital message and the first subset of transaction data within a transaction database.   
     
     
         17 . The non-transitory computer readable medium of  claim 16 , wherein generating the mapping comprises combining the first subset of transaction data and the second subset of transaction data in a database entry within the transaction database utilizing a transaction identifier corresponding to the card-based transaction. 
     
     
         18 . The non-transitory computer readable medium of  claim 16 , further comprising instructions that, when executed by the at least one processor, cause the at least one processor to track usage of the particular payment card associated with the payment account according to a set of rules for the particular payment card based on the first subset of transaction data and the second subset of transaction data corresponding to the card-based transaction. 
     
     
         19 . The non-transitory computer readable medium of  claim 16 , further comprising instructions that, when executed by the at least one processor, cause the at least one processor to detect fraudulent activity associated with the payment account based on the first subset of transaction data and the second subset of transaction data corresponding to the card-based transaction. 
     
     
         20 . The non-transitory computer readable medium of  claim 16 , further comprising instructions that, when executed by the at least one processor, cause the at least one processor to:
 determine, based on the first subset of transaction data and the second subset of transaction data according to the mapping, one or more modifications for the payment account in connection with a card program of the payment account; and   modify one or more parameters of the payment account by providing the one or more modifications for the payment account to a third-party system associated with the card program of the payment account.